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Taxpayer-financed with both employers and employees paying for significant monthly healthcare insurance


What the new King Edward VII Memorial Hospital (KEMH), presently under construction, will look like, possibly under a new name.
By Keith Archibald Forbes (see About Us) at e-mail exclusively for Bermuda Online
To refer by e-mail to this file use "bermuda-online.org/kemh" as your Subject
See also Bermuda's Health Support Groups by the same author.
Newcomers, including those from the United Kingdom, should note there is no equivalent in Bermuda to a treasured national UK institution, the National Health Service (NHS) - see http://en.wikipedia.org/wiki/National_Health_Service - that started in 1948. There, State-funded NHS provides free hospitals and health treatment to all Britons including free prescriptions and free dentistry and eyesight matters for low-paid Britons, and is embraced by all political parties. While grumbling about its perceived slow service is widespread - and planned government reforms are controversial - its egalitarian ethos is a matter of national pride.
Thus, Bermuda's King Edward VII Memorial Hospital, above and below, is not in any way part of the UK's NHS and its hospitals system. Bermuda is the only country in the world where the residents and visitors pay not once but three times for hospital and medical services. In the USA, where hospitals are privately financed built and operated, patients pay for all services they use. In Canada, Australia, New Zealand, the UK, Europe, etc. the great majority of hospitals are financed by taxpayers with hospital and medical services included in the taxes paid. But in Bermuda, taxpayers pay first for the building and operating costs as part of their taxes; again in hospital fees and services they use on an as-needed basis; and also in the health or major medical insurances they all must pay by law to either the government or to private and local insurance companies.
Staff at the two hospitals number over 1500. Bermuda has audiologists, chiropodists, chiropractors, dentists, dental technicians, dieticians, medical doctors. There are also emergency medial technicians, medical laboratory technologists, midwives, nurses with SRN status or equivalent or enrolled, occupational therapists, optometrists and opticians, dispensing opticians, pharmacies, pharmacists, physiotherapists, radiographers and speech-language therapists. Under the Nurses Act 1969, all nurses, whether registered (SRN or equivalent) or enrolled, are required to renew their licenses on an annual basis. The Medical Program at KEMH has an Annual Review and Awards Ceremony, sponsored by the Bermuda-based prominent international corporation Merck Sharpe and Dohme. It provides thousands of dollars a year in awards as part of a commitment to Continuing Medical Education at KEMH.



EMT staff at KEMH
The main hospital, KEMH is Bermuda Government owned and operated. Point Finger Road, Paget Parish DV 04, Bermuda. Postal address P. O. Box HM 444, Hamilton HM BX. Phone (441) 236-2345. Fax (441) 236-2213. KEMH is operated by the Bermuda Ministry of Health and Family Services, via the Bermuda Government-appointed Bermuda Hospitals Board (BHB), a publicly-funded quango (quasi autonomous non-governmental organization) established under the Bermuda Hospitals Board Act, 1970. The BHB is not a private business. It is a quango, owned by the Government on behalf of the people of Bermuda and administered by a board appointed by the Government on behalf of the people of Bermuda. It is funded entirely by the people of Bermuda by way of direct payments, insurance, donations and Government subsidies. Its employees are paid by the people of Bermuda. However, salaries and bonuses of senior managers of the hospital are kept secret from taxpayers. It has a Bermuda Government-approved Board and a Chief Executive Officer, responsible for King Edward VII Memorial Hospital and Mid-Atlantic Wellness Institute. At the heart of both organizations is high quality care to all patients. With approximately 1,700 employees, the Bermuda Hospitals Board is Bermuda’s second largest employer. King Edward VII Memorial Hospital and Mid-Atlantic Wellness Institute are the only healthcare organizations in Bermuda accredited by Accreditation Canada, an independent organization whose role is to help hospitals examine and improve the quality of care and service they provide to their clients. In addition to providing an extensive list of services for the community, the Bermuda Hospitals Board is part of a referral network that includes some of the world’s leading specialist hospitals. For more information, please log on to www.bermudahospitals.com
It is an Associate of the American Hospital Association. It has been accredited since 1972 by Accreditation Canada, formerly the Canadian Council on Health Services Accreditation, but does not appear on the latter's website.
January 9, 2013. The final cost of Bermuda’s new hospital will prove higher than many expect, the new Health Minister has warned. But she promised to be keep the public informed as to where the money is being spent. This week, Health Minister Patricia Gordon-Pamplin vowed to press ahead with releasing BHB officers’ wages as part of the Board’s accounts reporting. Responded BHB Chief Operating Officer Venetta Symonds: “BHB remains committed to meeting the obligations mandated by the Hospitals Act. We are currently also in the final weeks of our Corporate and Clinical Governance Review, which will include recommendations regarding transparency and accountability.” Ms Symonds said she would work closely with the Board and the Minister to ensure that “an appropriate level of disclosure is provided. Our financial statements for the fiscal year 2011/12 are currently in the final stages of being audited. As soon as this process is complete, the Annual Report will be compiled and produced. It will go through its usual process through Cabinet and then the Houses of Parliament, at which point it will be made widely available to the public. At a time when cost containment is a top health concern, Ms Gordon-Pamplin also vowed to make good on One Bermuda Alliance calls for the salaries of Bermuda Hospitals Board officers to be made public. While in Opposition, the OBA chastised Government for its tardiness in releasing BHB financial statements. Ms Gordon-Pamplin this week affirmed the OBA’s bullish stance as Opposition on the release of wage figures. “Absolutely,” said the Health and Seniors Minister, when asked if she would follow through. “The BHB legislation requires disclosure.” Previous administrations have published wages as a lump sum, which the OBA maintained wasn’t sufficient. Ms Gordon-Pamplin conceded: “Obviously, there are some things that may need to be relatively confidential. However, with that said, I think that when we are spending public money, we have an obligation to let the public know where that money is going. If you’re spending my money, I want to know where it’s going. That’s just the way it is. We have made that commitment to transparency.” Although the new hospital facility’s original design and construction costs are given as $247 million, the project’s complex financing as a Public-Private Partnership (PPP) carry significant long-term costs. “From an accounting perspective, historically, PPPs end up costing more,” Ms Gordon-Pamplin said. “That’s just the nature of it. The people who have put their money up front want a return on their investment, which is perhaps not an unreasonable expectation. The fact is that given the budgetary constraints that we have operated under, given the economy as it is, there is no way that we could have afforded to build the hospital. What’s interesting is that within the debt number that we have heard, the hospital in not included — because it’s deemed to be, within the accounting jargon, an off-balance-sheet transaction with the PPP. So it’s going to perhaps end up costing us more, in the long run.” The hospital remains on-budget, and scheduled to finish next year, she said. “But the budget number that exists for the construction of the building, you can be assured that is not the final amount that will have to be paid at the back end for the cost of the construction. I still have to get a handle on the exact amounts that we’re dealing with — but I expect it to be high.” In the wake of an acrimonious election campaign which saw a war of words over the FutureCare seniors’ insurance programme, the Minister reiterated that the new administration has no intention of scrapping the programme. “Election campaigns bring out the worst in people as they jockey for position,” she said. “There was a big advertising campaign by the PLP that we were going to take away FutureCare. That has never been the intention of the OBA, and it’s certainly not the intention of the OBA Government.” Government’s aim now is to “make it fair, so that people who are getting specific benefits are paying the same amount. While one cannot fault people for making the most of an opportunity that’s presented, I think there are people who are harder done by who have a greater need than others. We want to look at the entire concept. Sustainability is important.” Another legacy of the previous administration is the legislation banning upfront payments for medical treatment, which Ms Gordon-Pamplin said made eminent sense. “The one thing that you will not get us doing is throwing out the baby with the bathwater. If there is a policy that exists that makes sense, we obviously will allow it to continue.” However, she said, the system would need tweaking: “I do believe that we have to try to broker something where there is a little bit more latitude on behalf of service providers, such that people do not feel as if they have to do without healthcare simply because they do not have to $20 or $30 or $40 for the co-pay. It’s something we have to work with. If we have to tie it in with Financial Assistance, then we just have to make it robust. I don’t want people being ill just because they don’t have a dollar.” Ms Gordon-Pamplin could offer no advance details on healthcare expenditure in next month’s Budget. “We have to recognize the fact that I can’t spend any more money than is made available to me,” she said. “And we can’t have any more available to me than exists from a budgetary perspective.” Promising a healthcare system based on “sustainability and equity”, she added: “What we want to make sure is that the people of Bermuda get the best bang for their buck, if I can be so crude as to put it that way. It’s important to look at everything, from the cost of pencils to the cost of imaging.”
On March 13, 2012 it was announced that construction of the new hospital had so far injected $35 million into Bermuda’s economy, with $125 million spent so far on construction orders. More than 60 percent of the hospital construction workforce consists of Bermudians, or spouses of Bermudians. The workforce averages 90 daily; at the height of construction, that will rise to 250. With construction of the new hospital on the doorstep of the existing hospital having been a challenge, the impact of noise and dust was being kept to a minimum, with measures such as air filtration inside the hospital, and washing of the wheels of vehicles before they leave the site. Faults in the limestone at the site had required 4,300 cubic yards of backfill. Mock-ups of facilities such as a trauma area, ambulance bays and patient bedrooms, have permitted modifications of designs. Equipment purchases are expected to run up $40 million, with stringent reviews of requests already in place. Construction at King Edward VII Memorial remains on target for completion in 2014. At that point, the Bermuda Hospitals Board (BHB) must pay project managers Paget Health Services $66.7 million. The BHB has been increasing hospital fees by one percent annually, over five years under an agreement formalized in Cabinet back in 2009, in preparation. The Bermuda Government's 2012-2013 Budget has a spending cap of $104 million for KEMH but it does not mean people will be denied services. It’s a paradigm shift. There will no longer be a free-for-all. Hospital use for 2011/12 had exceeded estimates. As well as the new cap on the KEMH subsidy, the BHB had piloted a Memorandum of Understanding with a local insurer. With some of the risk transferred onto the healthcare provider, it gave more inventive to the BHB to ensure careful use of funds. BHB results of a three-year survey showed patient satisfaction continually rising. Nurses have historically been in short supply. Bermuda has 530 registered nurses, and BHB is aggressively courting Bermudian medical professionals from overseas, as well as promoting further training at home. Meanwhile, “fast tracking” incoming emergency room patients resulted in 88 percent of patients getting a hospital bed with in six hours. A new food delivery system had addressed a key problems with patient satisfaction, with a new kitchen system in 2012. Once the hospital redevelopment has progressed further there are plans to move the maternity ward next to the Operating Room. This means that mothers in labour will no longer have to be wheeled through the public corridors and taken in an elevator to the Operating Room. There is a prospect of a new birthing centre, possibly with a birthing pool, after requests by mothers in the community. For the Agape House hospice, BHB is adopting the Liverpool Care Pathway, the latest model of best practice to comfort dying patients and their families. The Island’s low rate of blood donation has caused concern. Bermuda’s total blood donor population of 1,107 is less than half that of comparable western countries. A total assessment of BHB’s information technology has been completed, and electronic health records are to be implemented at both hospitals. BHB will hire an expert to oversee the procedure. The Queen Elizabeth Nursing Residence is increasingly unsafe and demolition is the preferred option, but due to the recession, BHB believes this can be put on hold. At the Mid Atlantic Wellness Institute (MAWI) the Mental Health Plan is based on the recovery model. Assertive outreach teams are now able to visit patients in their homes. Part of this can be seen in the Budget with the allocation of $120,000 for vehicles to outreach teams. The team also attends both Government senior schools to assess students, and a residential team is in place to serve group homes. All 74 of MWI’s resident learning disabled clients, who formerly lived on site at MWI, have transferred to a group home in the past year.
In
February 2011 the BHB cut short its multi-million dollar five-year contract with
Kurron Shares by 18 months to save money. It cost Bermuda $13.5 million over
five years.
In late 2010 the Bermuda Hospitals Board (BHB) signed a project agreement for the new hospital site, now being built (see photo at top of page). The agreement with Paget Health Services (PHS), a consortium of experienced local and international firms, allows them to design, build, finance and maintain the new King Edward VII Memorial Hospital building at the existing site. The new hospital is expected to begin caring for patients in 2014. It is expected to cost over $260 million. It was announced in December 2011 that the first year cost alone to taxpayers will be $66.7 million. There will be a 30-year payment schedule.
The partnership between BHB and PHS includes a three-year construction phase and 30-year maintenance phase. The new building will include 90 single-occupancy en suite patient rooms, Bermuda’s first dedicated day surgery unit and ambulatory care services like oncology, dialysis, asthma and diabetes management. It will also include diagnostic imaging services and a new emergency room and utility plant.
BHB will make its first payment for the hospital redevelopment in 2014. Health Minister Zane DeSilva told the House of Assembly under the agreement between Paget Health Services (PHS), the company that will be building and maintaining the property, and the Bermuda Hospitals Board (BHB), no money will exchange hands until the construction is completed. PHS pays for construction of the new hospital building, and the BHB pays nothing until it is complete in three years’ time to BHB’s specifications. BHB will retain ownership of the land and building.
In 2007,
medical consultants Kurron Shares of America Inc won a five-year $13.5 million
contract to help BHB develop a long-term health care strategy for the Island,
beating a bid by world-renowned Johns Hopkins Medicine International. The
decision prompted criticism from doctors, who claimed Kurron Shares was “minor
league.” Also terminated was physician support contract with Greeley, which
was not renewed in 2011. A number of other smaller contracts have either been
terminated, not renewed or reduced. In total, net savings per annum are expected
to be in the order of $4 million.
The goal is to improve efficiency and find appropriate operational cost savings,
while continuing to improve health care services.
The continuous review is part of BHB’s commitment to consistently provide
value to the community in the face of rising health care costs and the current
economic challenges in Bermuda. It also reflects BHB’s responsibility to be
prepared to meet the financial obligations of the KEMH Redevelopment Project,
which includes making repayments for the new hospital facility from 2014 and
funding the revitalization of the existing KEMH facility. BHB’s succession
planning programme has identified Bermudians for senior leadership positions
that were once held by consultants. With plans for the new hospital facility
approved and a contract signed, the timing was right for a full review so that
we only maintain those contracts whose role remains vital for us to meet the long-term
health care needs of Bermuda. The Ministry of Health spent approximately $19.4
million on consultants between April 1, 2008 and January 31, 2010.
Bermuda-based Air Ambulance services have been discontinued and will not be able to fly again unless Government provides some money to help. The Bermuda Air Medivac plane has not flown since November 2011. The service was dealt a double blow by a declining number of patients and competition from cheaper US services. The air ambulance, which was set up in 2004, made 500 trips to take sick people for specialist medical help overseas before it folded. Patients ranged from head injury and stroke victims to cardiac cases. Meanwhile, the plane which ran the service, which was purchased with a charitable donation, remains in New York and may eventually be sold. Earlier, in the event of an emergency air evacuation from Bermuda to the USA or Canada, for medical services that cannot be performed in Bermuda, Bermuda Air Medivac Ltd was the operator of Bermuda's only emergency aircraft. A well-known philanthropist, David Barber, donated $2 million in 2005, in memory of his wife Mary, to buy an 11-seater jet for the company. Before the initiative, those critically injured or seriously ill had to wait for air ambulances based in the United States and Canada to fly to Bermuda and transport them off the Island.
Services include:


Medical tourism with HIFU, above
Hospital waste. All hospital waste is piped from the hospital across the South Road into the from City of Hamilton underground piped sewage system at the sea end of Seabright Avenue, Paget and then dumped untreated into the sea.


KEMH's Hyperbaric unit

Scanner. In 2009 The Hospitals Auxiliary of Bermuda allocated $500,000 toward Bermuda Hospitals Board's purchase of a new 64-slice CT scanner.
The scanner, which has four times as many detectors as a typical single slice CT scanner, combines unequalled image quality with remarkable speed. It can produce detailed pictures of any organ in a few seconds and provides sharp, clear, three-dimensional images, including views of blood vessels, in an instant. Introduction of the 64-slice CT scanner at the hospital will extend over the 2009/10 fiscal year, as it will require renovations in the CT area, along with the addition of a digital image archiving system, needed to manage the vast number of images produced by the new equipment.Special Care Baby Unit. For premature and other needy new babies. Located in the maternity ward, unlike in large hospitals abroad where it can be some distance away from a maternity ward.
X-ray equipment, new in January 2013 was purchased thanks to the donations of the Hospitals Auxiliary of Bermuda (HAB). The new equipment is intended to replace a 16-year-old system at KEMH, which was becoming increasingly difficult and expensive to maintain. It includes a replacement fluoroscope which enables an imaging technique that uses X-rays to obtain real-time moving images of the internal structures of a patient, called fluoroscopy. Fluoroscopies are frequently used to investigate the gastrointestinal tract or urinary tract, or provide an arthogram of joints. While the Hospital Board paid $57,855 to install the system, the cost of the donated equipment itself cost $419,864, all raised by the HAB through membership dues, The Pink Cafe, The Gift Shop and The Barn. HAB donates around half a million dollars to the Hospital Board annually to purchase new equipment, along with supplying the hospital with numerous volunteers. This donation helped us replace equipment that was increasingly challenging and costly to maintain. The impact to patient care resulted in delays due to high levels of maintenance, and extended downtimes. The HAB’s donation enabled KEMH to improve quality with new technology and relieved the escalating financial burden of keeping aged equipment running. The equipment will improve the quality of care provided by the hospital, and will be moved to the new hospital building when opened in 2014. The new equipment updates the technology and enables KEMH to improve the quality of the images and reduce the amount of contrast and radiation patients are exposed to in each test.
44 Devon Spring Road, Devonshire FL01. P. O. Box DV 501, Devonshire DV BX. Phone (441) 236-3770, fax (441) 235-9383. Also Bermuda Government owned and operated. It includes a detoxification unit, 8-bed. At the Turning Point Center.
To better regulate health professionals, there are now powers to suspend or bar people for misconduct. The Professions Supplementary to Medicine Amendment Act 2006 , enacted by the Bermuda legislature, ensures practitioners are competent and stay up to date with the latest techniques and that there are more teeth for dealing with complaints. The primary purpose is to ensure they meet established standards of education, training and professional conduct and are educated about new procedures that come along. Covering such professional categories such as physiotherapist, occupational therapist and diagnostic imaging the Act establishes a Council for Allied Health Professionals to promote patient interests and exercise discipline over practitioners. A Preliminary Proceedings Committee has been set up to investigate complaints – serious complaints will then be referred to a Professional Conduct Committee which can hand out fines of up to $2,000, suspend a person’s registration for a year or even bar them from practicing.
Only persons on their respective registers are recognized to practice in Bermuda. All involved who need or want further details about registration should contact the Administrative Assistant to the Council, Ministry of Health and Family Services, P. O. Box HM 1195, Hamilton or telephone (441) 236-0224 extension 3441.
| Age Concern Bermuda | Bermuda-registered charity # 137. 25 Point Finger Road, Paget DV 04, Bermuda. P. O. Box HM 2397, Hamilton HM JX, Bermuda. Telephone (441) 238-7525. Fax (441) 238-7177. Open to the public 9 am-4 pm Monday-Friday. Not part of Age Concern in UK and not offering the services they do. Most of the income from this entity is from the corporate private sector, Bermuda Government and some individuals. Income goes to operating expenses. It will not campaign for free hospitalization and free prescriptions for seniors. There is an annual membership fee to individuals. |
| Bermuda Cancer and Health Centre | 46 Point Finger Road, Paget. P. O. Box HM 1652, Hamilton HM FX. Phone 236-0949. RC 070. Formerly Bermuda Tuberculosis, Cancer & Health Association. Since 1945, established by Act of Parliament. founded to assist patients fighting TB. It educates the community about prevention and early detection of cancer. It conducts 75% of all mammograms. It educates and supports diabetic and ostomy patients. 25 percent of all deaths in Bermuda are attributed to cancer. Most common types in Bermuda include (in descending order) prostate, breast, colon and rectum, lung and bronchus, and skin. The Centre highlights the importance of early detection as the best form of prevention. Other services include ultrasound and bone densitometry. |
| Bermuda Council on Ageing | Since late 2006. Charged with coercing Government to implement strategies necessary to protect one the island’s fastest growing demographics. The Department of Statistics estimates the over-65 population will reach 22 percent by 2030 – double the amount of the 2000 Census. So one of the most crucial roles for the Council is preparing the country for an onslaught of elderly care giving – at home and in assisted living facilities. |
| Bermuda Dental Association | |
| Bermuda Dental Board | See Bermuda Government Boards. P. O. Box HM 2748, Hamilton HM LX. Phone 295-8233. |
| Bermuda Health Alliance | Suite 200, 40 Par La Ville Road, Hamilton HM 11. Telephone (441) 296-2875. A cooperative venture of the Bermuda Diabetes Association, Bermuda Hospitals Board, Bermuda Heart Foundation, Friends of Hospice, Resident's Family Council and Hospitals Auxiliary. Registered charity. |
| Bermuda Health Care Consortium | Founded September 20, 2002. Chairman Mark Selley. Founded to help bring much-needed long-term insurance and other pressing needs to Bermudians and residents presently without the type of coverage or financial and other support services common in other developed countries. Call Chairman at "Ship's Bow," 4 Keith Hall Road, Warwick WK 06, phone 236-0037 |
| Bermuda Health Council | A Bermuda Government appointed entity. Established as an official health watchdog. Responsible for regulating, coordinating and enhancing the delivery of health services in Bermuda. Made up of doctors, insurers, hospital officials and patients. Also responsible for regulating the price of drugs sold to the public and conducting research on the subject of public health. |
| Bermuda Health Foundation | Owned and operated by Murray Brown, Philip Butterfield, Dr. Vincent Bridgewater and Dr. Ewart Brown |
| Bermuda Heart Foundation | For coronary incidence, treatment and prevention. P. O. Box HM 1993, Hamilton, HM HX. Telephone (441) 295 3346. Fax: (441) 295-5371. A registered charity, 1996. Unlike most support groups, it is a major player in arranging the funding for critically important life saving heart related equipment for the hospital and is supported by health professionals of the highest reputation in every relevant field. It has no paid employees. Board meetings are on the 3rd Thursday each month. Board of Directors include Dr. Shane Marshall, MD, FRCPC. Goals are equipment, building, direct services, education. |
| Bermuda Hospitals Board | See Bermuda Government Boards. |
| Bermuda Hospitals Charitable Trust (BHCT) | P. O. Box HM 2273, Hamilton HM JX. T. 441-298-0151. F. 441-296-1072. An independent organization founded as the formal charitable arm for accepting donations and fundraising on behalf of the Bermuda Hospitals Board (BHB). A separate entity from the BHB and Ministry of Health, governed by its own Board of Trustees who determine policy and are responsible for its own sound fiscal management. |
| Bermuda Integrated Health Service Cooperative (BIHC) |
Lotus, Victoria Street, Hamilton. Since 2012. BIHC, proponents of out-of-hospital childbirth have won Immigration approval to bring their own midwives to the Island. BIHC received permission after the Bermuda Medical Council confirmed it didn’t need a full medical licence to do so. The victory follows eight years of struggle, said director Sophie Cannonier. “Midwives here in Bermuda function as obstetric nurses. They are not available to the public for birthing outside the hospital. So when I started to investigate through Immigration how I could bring in midwives, that’s where the impasse came in. They said we were not able to do it. I was told we couldn’t bring people in because I wasn’t the holder of a medical licence. So we went back and forth trying to get the door open.” Residents now have access to Bermuda-registered US midwives Susan Cassel, Makeda Kamara and Lisa Dalporto. The trio will work under the auspices of the BIHC, allowing residents to give birth “anywhere they want.” The move could prove a breakthrough in changing Bermuda’s medical culture, with costs far lower than typical hospital births. BIHC is trying to negotiate reasonable fees for insurance to cover BIHC services. Ms Cannonier serves as Cooperative director alongside her husband Michael Watson and Eugene Dean. With out-of-hospital midwifing “disappearing” across the US its emergence in Bermuda is a special victory. BIHC hopes to expand its services as more residents choose to explore their options. |
| Bermuda Medical Association (BMA) | 75 Victoria Street, Hamilton. An association of all medical doctors in practice in Bermuda. |
| Bermuda Medical Council | See Bermuda Government Boards. |
| Bermuda Medical Society | King Edward VII Memorial Hospital, Point Finger Road, Paget. An association of all medical doctors in practice in Bermuda. All doctors in the heath care profession in Bermuda must be members. |
| Bermuda Nurses Association | Patrice Dill at (441) 236-3770 extension 3254. A registered charity and active organization that celebrates the annual Nurses Week theme with community wide activities, free blood pressure, blood sugar and blood cholesterol screening. Under the Nurses Act 1997, all nurses whether registered or enrolled must renew their licenses on an annual basis and pay dues each year. |
| Bermuda Nursing Council | See Bermuda Government Boards. |
| Bermuda Occupational Therapists Association | See web site. |
| Bermuda Organ and Tissue Donor Association | For more information, call KEMH at 236-2345. Welcomes those willing to become donors. In association with the New England Organ Bank. |
| Bermuda Pharmaceutical Association (BPA) | All Bermuda pharmacies must be licensed members. |
| Bermuda Psychologists Registration Council | See Bermuda Government Boards. |
| Bermuda Stroke & Family Support Association | The
Association meets on the third Wednesday night each month at 7 pm at
King Edward VII Memorial Hospital. Telephone D. Mark Selley, Chairman,
at 293-3121. Or write to him at "Seven Seas" #6 Rock Garden
Lane, Harrington Hundreds Road, Smiths FL04, Bermuda. Phone 293-3121 or
cell 334-8487. Or Ann Selley
295-3764; Hazel Lowe 236-0407; Moira Lindo 294-7613. RC 361.
Support, help, advice, encouragement, to assist Bermudian and Bermuda-based stroke survivors of all ages and backgrounds and families affected by stroke. Has no membership dues, takes no minutes, has no structured agenda or board of management. Strokes, more than any other medical problems, cause permanent chronic disabilities. Stroke identification - how to identify signs of a stroke - may be crucial. Getting a stroke recognized, diagnosed, and then having the patient medically cared for within 3 hours, which is tough, can make the difference between life and death. The stroke victim may suffer severe brain damage when people nearby fail to recognize the symptoms of a stroke. Now doctors say a bystander can recognize a stroke by asking simple questions, or looking carefully. Can the person smile? Is the face crooked or normal? Can he/she talk and speak a simple sentence coherently? ( For example, it is sunny out, today). Speech is important. Can he/she raise both arms? Can he/she stick out their tongue? If the tongue is crooked or goes to one side or another, it's another cause for concern. If he/she has trouble with any one of these four questions, call the doctor or hospital or emergency service immediately and describe the symptoms. Older adults often do not realize or may even forget they have had a stroke and may not be a reliable source of medical information, US researchers said in May 2009. Brain scans showed that while just 12 percent of seniors asked about strokes remembered having had one, nearly a third had brain damage showing they had. (Permanent brain damage results from a stroke). The stroke itself could damage memory, and many people may also have so-called silent strokes that are never diagnosed at the time. Stroke is associated with motor impairment but can also be accompanied by impairments in memory, sensation and speech or language, diminishing the ability of an individual to accurately report a history of stroke. Researchers who want to study strokes in adults young and old need to rely on MRI scans, and not patients, to get accurate information about stroke history. 50% of all strokes occur in people who have no prior symptoms. Strokes are a leading cause of severe permanent disability and death. People never recover fully from strokes, their limbs or brain or heart are often permanently affected. Some hospitals (unfortunately not in Bermuda) or private health systems (such as LifeLineScreening.co.uk) offer ultrasound screenings that can identify risk of strokes. Screenings are fast, painless, accurate and often affordable, involving four tests. Test 1 is stroke carotid artery screening. Test 2 is atrial fibrillation screening. Test 3 is abdominal aortic aneurysm (AAA) screening. Test 4 is peripheral arterial disease (PAD) screening. |
| Board of Chiropodists | See Bermuda Government Boards. |
| Board of Dietitians | See Bermuda Government Boards. |
| Board of Medical Laboratory Technologists | See Bermuda Government Boards. |
| Board of Occupational Therapists | See Bermuda Government Boards. |
| Board of Physiotherapists | See Bermuda Government Boards. |
| Board of Radiographers | See Bermuda Government Boards. |
| Board of Speech Therapists | See Bermuda Government Boards. |
| Council for Allied Health Professionals | Established in 2006, it promote patient interests and exercise discipline over practitioners. It has a Preliminary Proceedings Committee, set up to investigate complaints – with serious complaints referred to a Professional Conduct Committee which can hand out fines of up to $2,000, suspend a person’s registration for a year or even bar them from practising. |
| Diabetes Resource Centre | Beacon House, Beacon Street, Hamilton. People can get their blood sugar tested and pick up supplies of insulin and syringes here, while patients without adequate insurance coverage can get financial assistance from Bermuda Diabetes Association. Visitors can also read publications related to diabetes, while bi-monthly foot screenings are available by a podiatrist. Support for the project has come from Allied World Assurance, Butterworth Associates, XL, the Bermuda Society for the Blind and the Corporation of Hamilton. The Long Riders Motorcycle Club's 48-hour ride for diabetes last year raised $18,000 towards costs. The dispensary is open from 8.30 a.m. to 12.30 p.m. Monday to Friday. Private consultations may be arranged in weekday afternoons. Telephone 297-8427 or 29-SUGAR for more information. |
| Government Employees (Health Insurance) Appeals Tribunal | See Bermuda Government Boards. |
| Government Employees (Health Insurance) Management Committee | See Bermuda Government Boards. |
| Health & Safety Advisory Council | See Bermuda Government Boards. |
| Hospital Insurance Commission | See Bermuda Government Boards. |
| Medical Practitioners | A register of names of doctors under Section 6 (2) of the Medical Practitioners Act 1950 is maintained by the Bermuda Medical Society and Bermuda Hospitals Board. It is in the order in which they were registered in Bermuda. |
| Medical Reference Committee | A Bermuda Government committee under the Motor Car Act 1951 to determine the fitness or otherwise of licensed Bermuda drivers, especially those over 75 years old. See Bermuda Government Boards. |
| Mental Health Review Tribunal | Bermuda Government appointed under the Mental Health Act 1968. See Bermuda Government Boards. |
| National Drug Commission | See Bermuda Government Boards. |
| Optometrists and Opticians Council | See Bermuda Government Boards. |
| Professions Supplementary to Medicine Council | See Bermuda Government Boards. |
| Register of Audiologists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973. A full list is published annually. |
| Register of Chiropodists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Dental Hygienists | Bermuda Government maintained under the Dental Hygienists Regulations 1950. A full list every year. |
| Register of Dental Technicians | Bermuda Government maintained under Regulations 2(b) of the Dental Technicians Regulations 1950. A full list every year. |
| Register of Dental Practitioners | Bermuda Government maintained under the Dental Practitioners Act 2008, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. The new act amends the Dental Practitioners1950 act which had no provision for registering dental hygienists and assistants. The act also requires dentists, hygienists and assistants to have continuing education to remain registered, have a professional conduct committee with mandatory reporting of impaired practitioners, a report annually and more. The Board increased from five to seven members with the senior Government dental officer becoming an ex officio member. The Bermuda Dental Association and Bermuda Dental Hygiene Association will be allowed to nominate members for the Minister to appoint, similar to other medical boards. |
| Register of Dieticians | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Emergency Medical Technicians | Bermuda Government maintained, registered with the office of the Chief Medical Officer. Some are Bermuda Hospitals Board, others are Bermuda Fire Service. A full list every year. |
| Register of Medical Laboratory Technologists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Medical Practitioners | Bermuda Government maintained under Section 6 (2) of the Medical Practitioners Act 1950, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Midwives | Bermuda Government maintained under Section 6 (2) of the Midwives Act 1949, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Occupational Therapists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Optometrists & Opticians | Bermuda Government maintained under Section 4 Part III of the Optometrists and Opticians Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Pharmacies | Bermuda Government maintained under Part IV Section 17(4) of the Pharmacy & Poisons Act 1979, in alphabetical order. A full list every year. |
| Register of Pharmacists | In accordance with Section 7 (4) of the Pharmacy & Poisons Act 1979. It shows every currently licensed pharmacist - Bermudian and non-Bermudian - by full first, middle and last name and the year, day and month when entered in the register. |
| Register of Physiotherapists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Psychologists | Registrar General, Section 8, Psychological Practitioners Act 1998. A full list every year. |
| Register of Radiographers | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Register of Speech-Language Therapists | Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. |
| Standing Medical Board | Pension and Gratuities (War Service) Act 1947. All surviving beneficiaries of such pensions are senior citizens. |
| The Psychological Practitioners Act 1998 | For psychologists practicing in Bermuda |
Some accommodation is available for incoming non-Bermudian doctors and nurses. Incomers to Bermuda should know Bermuda is the wealthiest place in the world according to the World Bank. Aspiring medical newcomers should check for themselves and make appropriate comparisons to determine that terms and conditions of service generally are comparable and equivalent in accommodation, length of service, upward mobility, salaries, benefits and airfares to those offered in American, Australian, Canadian, Cayman Islands, European and New Zealand hospitals. At all such places abroad, for academically and professionally qualified staff standard attractions and contracts include all local Board of Nursing or MD-certified or equivalent fees paid, accommodation (one-bedroom or more) for a stipulated period of time, round-trip air fares once every year or two, good local transportation options and financial assistance if merited, good living conditions and possibly a sign-on bonus.


There is no reciprocal hospitalization or healthcare plan with any other country. Bermuda now has health care costs higher than the USA and all other countries in the world.
Health insurance is mandatory in Bermuda as UK National Health Service (NHS) or BUBA etc and USA, Canadian, etc. healthcare plans don't operate in Bermuda. All working newcomers, visitors and retirees - including those from the UK - should note that Bermuda does not have any free health services built into taxes payable. European visitors going to Bermuda should not make the mistake of thinking that because Bermuda is British, reciprocal health services for travelers will apply, as they do between the United Kingdom and many other countries both within and outside the European Economic Community. All visitors from all countriescoming to Bermuda on vacation or to see family or friends should be aware in advance that they are not entitled to any type of local health insurance or when not one of their employees any employer-provided employee coverage or benefits. They should take out adequate health and major medical insurance coverage before they arrive. Bermuda is not on the list of countries with reciprocal health care agreements either inside or outside the European Economic Area, as mentioned in the UK Department of Health's booklet "Health Advice for Travellers."
Local taxpayers, visitors and working newcomers pay for hospitalization and related services in several concurrent ways:
Once, the hospital system was private sector. At that time, it was supported by charity with the efforts of visitors like Mark Twain and British Army then in Bermuda. Today, the costs to all who need the hospitals of Bermuda are not included in national direct and indirect taxes as they are in Canada and the United Kingdom. There is no national health plan in Bermuda.
Prudent visitors will bring spare money in US Dollars, travel insurance and health insurance to cope with possible unexpected problems including accommodation in an emergency medical situation or a death. Visitors from the United Kingdom should note that the National Health Service of the UK does not apply at all in Bermuda. Nor does it have an equivalent. Medical costs here are as high as, often higher than, those in the USA. Affordable accommodation in Bermuda for such emergencies, especially from April to November, is extremely difficult to find. Every week, visitors suffer emergencies. Many say they do not make any contingency or emergency plans. They claim they have no money and no health and travel insurance for unexpected problems. (When locals go the USA and elsewhere, on cruises or by air, they must either have such a plan or be prepared to pay full medical costs themselves).
In Bermuda, There is no insurance coverage for birth control, only for abortions in certain approved circumstances.
Working newcomers are not given a choice by their employers of local healthcare plans but must accept the plan and its insurer offered by their employer. They will not be allowed to opt out of the local plan if they belong to any non-local healthcare plan.
All employees, managers, officers, directors, etc, working in Bermuda whether local or expatriate must have (a) compulsory employer-provided medical insurance for themselves and their unemployed spouses and children and (b) that it must by law be provided by a Bermudian (not just Bermuda-based) insurance company in Bermuda at least 60% beneficially owned, managed and directed by Bermudians and approved for such insurance.
All Bermudian health/medical private sector insurance companies - for example, Argus Group, BF&M Insurance Group and Colonial Insurance Company, Kitson Benefit Services - offer more than just the minimum benefit. Policies, including the Government's Hospital Insurance Plan (HIP) policy, also contain an extra layer of major medical cover. It is up to individual insurance companies how much they charge for the cover above the minimal level.
Multinational insurers with a registered office in Bermuda are not allowed to compete with local companies for any local business including hospital or major-medical plans. Bermuda's health care insurers must be local (namely, Bermudian).
Newcomers from Britain should be wary of trying to buy medical insurance coverage from a Britain-based or not Bermuda-based insurance company or broker. It could mean partial or more extensive duplication of coverage.
Bermuda now has a more expensive health care system than all 25 countries in the Organization for Economic Cooperation and Development. The UK, Canada, Germany, Portugal and Spain all pay significantly less. Figures released in July 2010 show Bermuda's average annual per capita health expenditure is $4,989 compared to $4,687 in the USA; $2012 in the UK; $1,713 in Portugal; $2,892 in Canada; $2,761 in France; $1,800 in Spain; and $980 in Hungary. In the late 1960s Bermuda picked a health care model based on private insurance, like those in the US and Switzerland. It may be hugely more expensive than the state-provided national health service systems in Canada, USA, etc but one advantage is no or much shorter waiting times when going to doctors' offices or awaiting operations.
From April 1, 2011 the cost of the minimum (or standard) health insurance package in Bermuda (see below for more details), if offered by the Bermuda Government instead of a private-sector Bermudian insurer is to increase by 6.8 percent. This was confirmed by Minister of Health Zane DeSilva. All insurance premiums - not just the standard one below - offered by all Bermuda-based employers via all relevant Bermudian insurers go up by at least the same amount, if not higher.
The law states that the cost of the premium must be shared equally between employers and employees, although some employers pay more. The news means that some employees will face up to $8 per month extra being deducted from their pay packets for health cover. Since 2004 the standard premium rate has more than doubled. It grew more than 12.6 percent every year between 2004 and 2010.
The rate above covers the minimum healthcare package, the standard hospital benefit. The law in Bermuda requires all employers to provide this minimum level of health insurance for their employees and non-working spouses and to cover at least half the cost of this insurance. It covers public ward hospital care, certain outpatient services such as laboratory tests, the ambulance service and care at the mental hospital. However, most employers provide benefits well in excess of the minimum for both employees and their children.
Bermuda's Members of Parliament have approved a succession of significant rises in hospital fees in recent years. The Bermuda Hospitals Board (Hospital Fees) Regulations state what they are currently.
If you arrive as an employee with any Bermuda-based local or international company, you will need good insurance coverage from day 1 in Bermuda. Surgical, medical and dental rates are extra and are covered in the Bermuda Hospitals Board (Medical and Dental Charges) Amendment Orders. Bermuda employers are required by law to provide at least HIP immediately, with Major Medical after the probationary period. The better employers will be more generous, with Major Medical applying immediately. Do not agree a contract with any Bermuda employer that will not give you Major Medical from the day you begin work. If you will be working as a temp with an employment agency, be aware that the law requires your employer to insure you, not the client of your employer if you are not working in your employer's office. Be aware that there are no standard plans or standard premiums, each employer's plan is different, plans cover employees and when applicable an employee's non-working spouse and any children only, not partners or relatives or friends, apply only in Bermuda and increasingly in recent years, cease when you quit employment or retire or reach the age of 65, whichever comes first. The Bermuda Government enacted in late 2002 The Public Health (Hospitals) Regulations 2002 and The Public Health (Clinical Laboratories) Regulations 2002 under the Public Health Act 1949.Hospital Insurance Plan (HIP)/FutureCare and their costs/premiums. For all newcomers to including retirees and residents in Bermuda without a partially local Bermuda employer-funded private Health Care Insurance Plan, not in addition to the latter). Operated by the Bermuda Government under the Hospital Insurance Act 1970, funded by the government's Health Insurance Fund (HIF) and government's Mutual Reinsurance Fund (MRF), overseen by the Hospital Insurance Commission and administered by the Social Insurance Department, Government Administration Building, 30 Parliament Street, Hamilton HM 12. Phone 295-5151 extension 1146, 1130 or 1137. The current standard premium rate for this coverage and what it covers and does not cover are published. It is a basic plan covering many Bermudians and others over the age of 65 and otherwise uninsured because of newcomer non-working status or termination of local employer/employee insurance coverage owing to retirement, or through unemployment. Many in Bermuda who are not affluent depend solely on their social security and if they pay rent as more than 40% of all residents do instead of owning their own homes, have to decide whether to pay for HIP or FutureCare and prescriptions or count on the help of relatives or do without food. In 2008 some benefits were improved. For example, funding for kidney transplants has increased to $100,000 while general outpatients can claim $500 a year towards their treatment. Policy-holders should still be aware that while HIP does not cover the cost of specialist visits which occur within a doctor's offices or during outpatient visits to KEMH, should they require a visit to an internal medicine physician, eye surgery or attend the bone fracture clinic at KEMH as an outpatient, they can now get some relief, of up to $500 to be applied to these types of specialist services and others for medically-approved procedures. In addition, on August 1, 2008 Government introduced basic dental cover under the insurance plan, in cooperation with the Argus Insurance Group. Access to dental services is a critical need for many seniors. The dental coverage offered by HIP includes basic preventative and diagnostic services, along with surgical and minor restorative dentistry work, funding 75 percent of expenses on qualified procedures. Generally, not covered at all is having to go overseas to get treatment of a type not offered in Bermuda. Some Bermudians and other residents have spent over $100,000 for a 10-day stay at a hospital in Boston or Baltimore. Health Minister Zane DeSilva announced that premiums for HIP and FutureCare were increased as of April 1, 2012. HIP Premiums increased from $385 to $390 per month, while FutureCare, the programme for seniors, saw its premiums increase from $375 to $385 per month for phase one policy holders. Premiums for phase two and three policyholders remain the same at $635 per month. The monthly premium is over 35% of the average local pensioners Social Security. The Minister said that FutureCare had ended its third year in a strong financial position but that claims were expected to increase significantly in future years. He said that the Ministry was acting on actuarial advice "to ensure the sustainability of the funds."
There is no Long Term Health Care Insurance offered at all by local insurance companies and those international insurance companies incorporated in Bermuda offering it in other countries even when their home offices are, for example, in the USA, are not allowed by law to offer it in Bermuda. Many residents, whose major medical insurance through their employers stops, if they had it at all, when they reach 65, have had to spend many thousands of dollars of their own money overseas, with no insurance. Visitors who come on vacation or to see family or friends should be aware in advance that they are not entitled to any local health insurance employer-provided employee coverage or benefits. Not covered are services like ambulance fees, x-rays, doctors' consultations and reports, etc.
Not yet put into effect. Basics were unveiled in February
2011 by the former Government, which aims to ensure all residents have quality, affordable
healthcare. Then-Health Minister Zane DeSilva said the plan would introduce
“wide-ranging and profound” reforms to the Island’s health care system. It
aims to make health care more affordable and improve access and quality care. Mr
DeSilva said the reforms “address the long-standing concerns with the
escalating costs of health care, and the inequitable burden placed on too many
individuals and families. It pledges to ensure basic and essential care is
provided for every Bermuda resident in 2013. The plan states universal access is
“necessary” for the Island to achieve better health outcomes, such as
improving life expectancy and reducing disparity. Eligibility will be determined
on the basis of residence and will be defined by law. The package of services
covered will also be defined in law. Another goal is to ensure that basic
coverage includes urgent physical and mental health care, hospitalization,
primary care, preventative care and maintenance. It will also include clinical
preventative services like screening, counseling and treatment. The National
Health Plan will also ensure health coverage contributions are based on ability
to pay. This will allow health care costs to be affordable to all members of the
community. It also changes the way health care is defined as treatment will no
longer be considered a consumer good or commodity, but a “public good” that
is accessible by need. Currently the Island compares well with other countries
in the Organization for Economic Cooperation and Development (OECD) in terms of
life expectancy, infant mortality rates and access to health care. But it fares
poorly in terms of ensuring all residents have affordable health insurance
coverage which provides a core set of services. Other goals include ensuring
smarter use of overseas care, introducing an integrated health IT system, health
promotion, and re-engineering the way health care is financed so it can be more
cost-effective and ensure better value for money. When asked how the universal
coverage would affect rates people currently pay, Mr DeSilva said: “Those who
can pay will pay, and now those that are struggling to pay, we want to make sure
they don’t pay or pay very little. The system we have right now is very
unfair.”
The plan sets out 11 health sector goals to improve access, quality and
efficiency, which will be implemented over the next two to six years, with
specific goals.
It is believed Bermuda spends about $6,982 per capita on health care about 7.6 percent of the Gross Domestic Product (GDP).
These statistics place Bermuda second in a list of countries in the Organisation for Cooperation and Development (OECD) on health care spending. The Island is second to the United States, which spends more than $7,000 per capita, or 16 percent of its GDP.The Bermuda Health Council cites the following as a comparison in the number of health care providers here and in OECD countries
for every 10,000 residents:Bermuda and the US each have 24 physicians; Canada has 22, the UK 25 and Singapore, 15
Bermuda has 72 nurses, the US 84, Canada 90, the UK 65 and Singapore 45
Bermuda has 7 dentists, the US has eight, Canada 12, the UK five and Singapore three
Bermuda has 13 pharmacists, while the US has nine, Canada eight, the UK six and Singapore three.

A recent health report - the Bermuda Government's Adult Wellness Report - showed that
One in three islanders are obese, caused in part by unsatisfactory working conditions - bad air, excessive heat or cold, poor work space, long periods of standing or sitting - cause stress which leads to drink and drug abuse, heart disease and obesity.
12 percent abuse alcohol
The six most frequent health problems are allergies, asthma, migraine headaches, tension headaches, depression and anemia. (But all this is contradicted by reports showing heart attacks and strokes as leading causes of death)
Top health concern is AIDS and sexual diseases, with 52 percent tested for HIV. 55 percent say they receive no education or information from their doctor on sexual practices or family planning.
30 percent of adults use prescription medicines every day
90 percent of women 40 and over have had a mammogram
95 percent of women 40 and over have had a pap smear
60 percent of men 40 and over have had a prostate exam
For people who have to live with disabilities or problems or both, their immediate caregivers and too often for survivors, including family, friends, co-workers or classmates, a strong support network is an essential part of good physical, mental and spiritual health.
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Last Updated: May
21, 2013.
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